Paise Se Paisa Kaise Banta Hai
Namaste ji 🙏
Welcome to another edition of Piyush ki Baatein
Aaj hum baat karenge ek aise magic ke baare mein jisse aap paise se paisa kama sakte ho – bina mehnat ke, bina stress ke. Sirf samajh ke saath.
Yeh magic ka naam hai – Compounding. Finance tough lagta hai, but don’t worry – hum isey aaj 5 saal ke bacche jaisi language mein samjhayenge.
🪄 Compounding kya hota hai?
Socho tumhare paas ek ped hai – us par har saal 10 aam lagte hain. Agle saal ped thoda aur bada ho jata hai, aur ab 12 aam lagte hain. Phir aur bada, phir 15… 20… 30…
Toh har saal ped ke aam badhte ja rahe hain, kyunki ped bhi bada ho raha hai aur pehle ke aam se bhi naye ped lag rahe hain.
Yahi hota hai Compounding –
Paise se paisa banta hai, aur naye paiso se aur paisa.
📊 Ek Simple Example:
Agar aap ₹500 per month invest karte ho Aur us par 12% ka annual return milta hai (which is normal in long term)
Toh 20 saal baad kya hoga?
Saal Aapka Total Paisa Daala Ban Gaya Paisa 20 ₹1.2 lakh ₹5 lakh+
Socho – aapne sirf ₹1.2 lakh invest kiya, but compounding ne usko ₹5 lakh se zyada bana diya. 😮
💡 Yeh Paisa Kaise Banega?
Yahan aata hai Mutual Funds aur SIP (Systematic Investment Plan).
Mutual Fund = Aapka paisa ek expert (fund manager) ko dete ho. Woh expert aapke paiso ko stocks ya bonds mein lagata hai. Aapko profit milta hai. Simple.
SIP = Har mahine thoda-thoda paisa dalna. Jaise Netflix ka subscription. Bas yeh paisa aapko paisa deta hai 😂
🧪 Real Example:
Riya naam ki ek ladki har mahine ₹1000 invest karti hai SIP mein. Usne yeh 25 saal tak kiya. Usne total ₹3 lakh invest kiya.
Lekin jab usne statement dekha… 📈 ₹16 lakh+ ban chuke the! That’s the power of long term + compounding.
🤔 Par log galti kya karte hain?
Jaldi result chahte hain – compounding mein patience chahiye.
Start hi nahi karte – bas sochte rehte hain.
Jab market gire toh dar jaate hain – compounding works only if you stay invested.
✨ Piyush ki Advice:
Finance ko rocket science mat samjho. Yeh life ki zarurat hai.
Start small – ₹500 bhi enough hai.
Long term socho – 10, 15, 20 saal ka vision rakho.
SIP chalu karo – market mein best mutual funds Google karo ya Groww, Zerodha, etc. pe check karo.
🧡 Ek Line Yaad Rakhna:
"Compounding ek tree jaisa hai – jitni der tak usse paani doge, utna bada ped banega."
Bhaiyo aur behno – agar aap apne 20s mein smart decision lete ho, toh 30s mein paisa aapke liye kaam karega, aap paisa ke liye nahi.
Cheers,
Piyush Sharma